Fair Lending: Overview and New Developments

Carl Pry

Carl Pry is a Certified Regulatory Compliance Manager (CRCM) and Certified Risk Professional (CRP) who is a Managing Director for Treliant Risk Advisors in Washington, DC. Through his working career, as well as through his experience as a banking attorney and officer, he has provided a variety of regulatory compliance and financial performance services to financial institutions and other clients throughout the country. He has written extensively regarding consumer and commercial compliance, tax, audit, and financial institution legal issues, and is a frequent contributor to and currently serves on the Editorial Advisory Board for the ABA Bank Compliance magazine. He has spoken at scores of banking, compliance, and state bar associations, and has conducted training sessions for financial institutions across the country.

Carl's Other Events

OnDemand

Fair lending is a hot topic right now, as always. Despite changes in the regulatory and enforcement environment, there are issues every lender should be aware of. As well, there are new ways of looking at lending patterns, activities, and risks.

How is your fair lending program? Have you accounted for these new risks examiners are looking for? This program will help you to understand the extent and particulars of Regulation B, the Fair Housing Act (FHA), and guidance the regulatory agencies (including the CFPB) have introduced recently. We’ll also discuss trends in fair lending and the direction Congress, agencies, and the courts are likely to go in the new future.

Covered Topics

Prohibited bases under the rules (what you can do, as well)

Evaluating applications and underwriting – what you can and cannot consider

Government monitoring information – when to get it and how to handle it

Fair lending litigation trends and lessons, including the future of disparate impact

Redlining (including reverse redlining) – what is it, how do we analyze it, and what is new (hint: plenty)

REMA/Marketing Area/Service Area – what is this? What should we do to be ready for our next exam?

Dealing with small business loans

Treatment of income and other underwriting issues

Fair lending issues in the servicing environment

Proxies and the BISG method – should we do this?

Advertising and disclosing in a foreign language – what are the rules?

The future of DFA 1071 – will this ever happen?

CRA as a fair lending tool

Developing an effective and comprehensive fair lending CMS

“Convergence” with UDAP/UDAAP – what should we do?

Consequences for violating the rules - not just fines

And more

Plus frequent question and answer sessions throughout this presentation.

Who Should Attend?

Anyone in the institution having virtually any responsibility in the lending process has fair lending responsibilities, from senior management, loan officers, underwriters, and closing agents, to compliance officers, auditors, and attorneys, and would benefit from this valuable information.

"Carl is an excellent teacher. He mixes just enough theory with practice. I had some areas explained that I've struggled to explain to the business." -- JoAnn Keith, VP, Compliance, Wells Fargo

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Event Description

Fair lending is a hot topic right now, as always. Despite changes in the regulatory and enforcement environment, there are issues every lender should be aware of. As well, there are new ways of looking at lending patterns, activities, and risks.

How is your fair lending program? Have you accounted for these new risks examiners are looking for? This program will help you to understand the extent and particulars of Regulation B, the Fair Housing Act (FHA), and guidance the regulatory agencies (including the CFPB) have introduced recently. We’ll also discuss trends in fair lending and the direction Congress, agencies, and the courts are likely to go in the new future.

Covered Topics

Prohibited bases under the rules (what you can do, as well)

Evaluating applications and underwriting – what you can and cannot consider

Government monitoring information – when to get it and how to handle it

Fair lending litigation trends and lessons, including the future of disparate impact

Redlining (including reverse redlining) – what is it, how do we analyze it, and what is new (hint: plenty)

REMA/Marketing Area/Service Area – what is this? What should we do to be ready for our next exam?

Dealing with small business loans

Treatment of income and other underwriting issues

Fair lending issues in the servicing environment

Proxies and the BISG method – should we do this?

Advertising and disclosing in a foreign language – what are the rules?

The future of DFA 1071 – will this ever happen?

CRA as a fair lending tool

Developing an effective and comprehensive fair lending CMS

“Convergence” with UDAP/UDAAP – what should we do?

Consequences for violating the rules - not just fines

And more

Plus frequent question and answer sessions throughout this presentation.

Who Should Attend?

Anyone in the institution having virtually any responsibility in the lending process has fair lending responsibilities, from senior management, loan officers, underwriters, and closing agents, to compliance officers, auditors, and attorneys, and would benefit from this valuable information.

"Carl is an excellent teacher. He mixes just enough theory with practice. I had some areas explained that I've struggled to explain to the business." -- JoAnn Keith, VP, Compliance, Wells Fargo

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